The annual cost of full coverage car insurance on a Honda Pilot ranges from $1,014 with USAA to $5,740 for 16-year-olds. Rates vary based on the car's model year, driver's age, address, driving record, coverage level and insurer. This article breaks down Honda Pilot insurance costs, highlighting the best companies and cheapest options.
Honda Pilot Insurance Cost
Updated: March 17, 2025
Key Takeaways
State Farm provides the most affordable minimum coverage across all Honda Pilot model years, costing $468 annually.
The average annual insurance cost for a Honda Pilot is $592 for minimum coverage and $1,322 for full coverage.
MoneyGeek analyzed 4,183 Honda Pilot insurance quotes using Quadrant Information Services data to ensure comprehensive insights.
Honda Pilot Insurance Rates
What Is the Average Honda Pilot Car Insurance Cost?
Honda Pilot full coverage insurance typically costs around $110 monthly or $1,322 annually, based on a 40-year-old male with a clean driving record. Minimum coverage averages $49 monthly or $592 yearly.
| Minimum Coverage | $592 |
| Full Coverage | $1,322 |
Read more: Average Cost of Car Insurance
Honda Pilot Insurance Costs by Company
Honda Pilot insurance costs range from $1,047 to $1,959 annually, depending on age, model year and coverage level. The table below compares Honda Pilot insurance rates with averages for all vehicles from national and midsize providers.
| Allstate | $1,598 | $1,812 | -12% |
| Auto-Owners | $1,140 | $1,227 | -7% |
| Farmers | $1,568 | $1,958 | -20% |
| GEICO | $1,173 | $1,333 | -12% |
| Kemper | $1,959 | $2,213 | -11% |
| Nationwide | $1,357 | $1,590 | -15% |
| Progressive | $1,513 | $1,744 | -13% |
| State Farm | $1,152 | $1,269 | -9% |
| Travelers | $1,261 | $1,523 | -17% |
| USAA | $1,047 | $1,201 | -13% |
Read more: Best Car Insurance Companies
Cost of Insuring a Honda Pilot by Model Year
The year your Honda Pilot was produced can influence your insurance rates, with older models generally costing less. For instance, insuring a 2022 Honda Pilot costs $1,503 annually for full coverage, while it costs $1,164 for a 2009 model. Below are the average full and minimum coverage rates for each production year.
| 2022 | $576 | $1,503 |
| 2021 | $577 | $1,488 |
| 2020 | $563 | $1,478 |
| 2019 | $595 | $1,474 |
| 2018 | $604 | $1,463 |
| 2017 | $588 | $1,400 |
| 2016 | $619 | $1,336 |
| 2015 | $625 | $1,273 |
| 2014 | $602 | $1,253 |
| 2013 | $625 | $1,232 |
| 2012 | $624 | $1,212 |
| 2011 | $600 | $1,196 |
| 2010 | $624 | $1,180 |
| 2009 | $623 | $1,164 |
Honda Pilot Insurance Costs by Driver Age
Honda Pilot insurance rates vary greatly depending on the driver's age. For example, 40-year-olds pay about $1,332 annually for full coverage, while 16-year-olds pay around $5,740. Below are the average full and minimum coverage rates for drivers of different ages.
| 16 | $2,758 | $5,740 |
| 17 | $2,239 | $4,678 |
| 18 | $1,951 | $4,111 |
| 19 | $1,385 | $2,938 |
| 20 | $1,244 | $2,670 |
| 21 | $988 | $2,160 |
| 22 | $901 | $1,984 |
| 23 | $836 | $1,852 |
| 24 | $793 | $1,762 |
| 25 | $705 | $1,577 |
| 26 | $687 | $1,530 |
| 27 | $670 | $1,496 |
| 28 | $659 | $1,473 |
| 29 | $650 | $1,452 |
| 30 | $627 | $1,401 |
| 35 | $610 | $1,357 |
| 40 | $603 | $1,332 |
| 45 | $598 | $1,315 |
| 50 | $584 | $1,276 |
| 55 | $569 | $1,242 |
| 60 | $570 | $1,238 |
| 65 | $605 | $1,285 |
| 70 | $658 | $1,376 |
| 75 | $730 | $1,508 |
| 80 | $828 | $1,679 |
| 85 | $896 | $1,802 |
| 90 | $944 | $1,886 |
Honda Pilot Insurance Rates Explained
Several factors affect car insurance rates based on your driver profile. Insurers also consider vehicle-specific factors. Here’s a breakdown of those cost factors.
Honda Pilot Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Honda Pilot
Average Full Coverage Rate
$1,322Premiums for Honda Pilot are:$26 more
This is 2% more expensive.
Value
The Honda Pilot's MSRP of $53,875 places it in the mid-range SUV category. Higher MSRPs often lead to increased insurance costs.
Repair costs
The annual repair cost for a Honda Pilot is $542, below the national average. Lower repair costs may result in cheaper insurance due to easier part replacement and reduced labor expenses.
Performance
The Honda Pilot has 285 horsepower and a 0-to-60 time of 6.9 seconds. Its moderate performance typically avoids the higher insurance costs linked to sports cars.
Vehicle age
Newer Honda Pilots are generally more expensive to insure than older models. However, collector and classic vehicles can be exceptions, often costing more to insure.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Honda Pilot for insurance discounts. Its 5 out of 5 NHTSA safety rating further reduces accident risks.
Vehicle size
Larger vehicles like the Honda Pilot can cost more to insure due to the increased potential for property damage. Its size and maximum curb weight of 4,685 lbs may contribute to higher insurance costs than smaller models.
Trim level
Higher trim levels of the Honda Pilot, such as the Elite, include premium upgrades that raise the MSRP. This typically results in higher insurance costs than the base model.
Theft rates
Vehicles with higher theft rates often incur higher insurance costs. The Honda Pilot's theft relative claims frequency of 78 could contribute to increased premiums.
Anti-theft features
Anti-theft features can make the Honda Pilot eligible for lower insurance premiums. These systems reduce theft risks, potentially qualifying the vehicle for discounts.
Cheapest Honda Pilot Insurance
State Farm offers the lowest annual minimum coverage rate for Honda Pilot drivers at $468, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Honda Pilot Insurance by Coverage Level
The coverage level you select greatly affects your Honda Pilot insurance rates. State Farm provides the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Honda Pilot Minimum Coverage
For a Honda Pilot, State Farm offers the cheapest minimum coverage at $39 per month. Other affordable options include GEICO at $45, Travelers at $47 and Nationwide at $52.
| USAA | $35 | $423 |
| State Farm | $39 | $468 |
| GEICO | $45 | $534 |
| Travelers | $47 | $561 |
| Nationwide | $52 | $624 |
| Progressive | $55 | $659 |
| Farmers | $56 | $670 |
| Allstate | $56 | $670 |
*State Farm offers non-military-affiliated Honda Pilot owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Honda Pilot Insurance Rates by Model Year
The list above doesn't account for your Honda Pilot's production year, which can influence insurance rates. Older models often cost less to insure due to lower replacement values. Use the table below to filter and find the cheapest minimum coverage rates for each production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $684 | $57 |
| Farmers | $714 | $60 |
| GEICO | $559 | $47 |
| Nationwide | $667 | $56 |
| Progressive | $716 | $60 |
| State Farm | $465 | $39 |
| Travelers | $625 | $52 |
| USAA | $431 | $36 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Honda Pilot Insurance
State Farm offers the most affordable full coverage insurance for a Honda Pilot at $1,115 annually or $93 monthly. Below is a complete list of full coverage car insurance providers and rates.
| USAA | $85 | $1,014 |
| State Farm | $93 | $1,115 |
| GEICO | $96 | $1,148 |
| Travelers | $104 | $1,245 |
| Nationwide | $107 | $1,278 |
| Progressive | $120 | $1,444 |
| Farmers | $122 | $1,469 |
| Allstate | $128 | $1,530 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Honda Pilot owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Honda Pilot Insurance by Age
Younger drivers aged 16 to 25 and seniors 55 and up often pay more for Honda Pilot insurance. Below is a breakdown of the cheapest options by age.
Cheapest Honda Pilot Insurance for Young Drivers
State Farm offers the cheapest car insurance for young drivers at $85 monthly or $1,021 annually for minimum coverage. Below is the complete list of the most affordable options for Honda Pilot drivers aged 16 to 25.
| USAA | $73 | $875 |
| State Farm | $85 | $1,021 |
| Travelers | $98 | $1,174 |
| GEICO | $107 | $1,289 |
| Allstate | $130 | $1,561 |
| Nationwide | $135 | $1,626 |
| Farmers | $151 | $1,816 |
| Progressive | $153 | $1,837 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda Pilot Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $515 annually or $43 monthly. See the full list of affordable Honda Pilot insurers below.
| State Farm | $43 | $515 |
| USAA | $47 | $562 |
| GEICO | $53 | $640 |
| Travelers | $56 | $677 |
| Nationwide | $61 | $731 |
| Allstate | $68 | $821 |
| Progressive | $70 | $844 |
| Farmers | $75 | $895 |
Cheapest Honda Pilot Insurance After an Accident
State Farm, Travelers and GEICO offer Honda Pilot drivers the cheapest auto insurance after an accident. For more choices, see the complete list below.
| State Farm | $49 | $587 |
| USAA | $54 | $643 |
| Travelers | $66 | $797 |
| GEICO | $70 | $844 |
| Allstate | $76 | $914 |
| Nationwide | $79 | $953 |
| Progressive | $90 | $1,074 |
| Farmers | $111 | $1,338 |
Honda Pilot Insurance Cost: Bottom Line
Make it a habit to compare car insurance rates from multiple providers to secure the most affordable option. This article provides a detailed overview of Honda Pilot insurance costs, analyzing expenses across various demographics and highlighting the cheapest providers.
Honda Pilot Insurance Rates: FAQ
Below are common questions about Honda Pilot insurance costs, providing insights into what you can expect to pay for coverage.
What company has the cheapest car insurance for a Honda Pilot?
State Farm is the cheapest insurance provider for a Honda Pilot, with an annual minimum coverage rate of $468.
What is the average cost of car insurance for a Honda Pilot?
The average annual minimum car insurance cost for a Honda Pilot is $592. Full coverage averages $1,322.
Honda Pilot Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Honda Pilot insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Honda Pilot:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Honda Pilot insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Honda Pilot.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.